Hospitalisation Cover forboth In-patient and OPD Treatment

• During your travel, if you are diagnosed with an Illness or Injury, we cover the necessary hospitalisation for Emergency Care or Out-Patient treatment. This is irrespective of whether you use the hospital In-Patient facilities or merely Out Patient Department (OPD) treatment.

Treatment in Home Country

• After the hospitalisation while you are abroad, in case you require further treatment for the same Illness or Injury even after you return to your Home Country, we cover the expenses for a period of up to 30 days or till the policy coverage ends, whichever is earlier.

Pre-Existing Disease Covered

• It doesn't matter if the cause for a life threatening emergency medical condition during your travel is a Pre-Existing Disease, we cover it upto 10% of Sum Insured.

Double Sum Insured for Accidental Hospitalisation

• In case you are hospitalised on account of an accident, your Sum Insured is doubled

Common Carrier Accidental Death

• In the event of accidental death of the insured, while he/she is a passenger on a common carrier, we pay out a fixed amount as a lump-sum to the nominee.

Medical Evacuation

• If you require emergency medical evacuation services, to transfer you to an appropriate medical facility or the nearest appropriate Hospital, we'll cover all costs incurred.

Daily Allowance in case of Hospitalization

• We realise that you may have to incur a number of out-of-pocket non-medical expenses in case of hospitalization. So, we pay you an additional specified amount per day, to help you meet all those incidental expenses.

Dental Expenses

• We cover dental expenses that you incur in connection with any injury, while you are on the trip.

Up-gradation to Business Class

• We compensate you for the up-gradation to business class, if required on your return air travel, after hospitalization for over five consecutive days due to injury sustained whilst on the trip, provided the return to country of residence is within 20 days of discharge from the hospital.

No Sub limits` Option Available

• There are no sub-limits for persons aged 60 yrs or less in any of our plans. For age 61 and above, Explore gives you an option of choosing a 'No Sub Limit' plan.

Two - way compassionate visit

• We understand your need to have your loved ones near you when you are unwell. That's why we cover the transportation expenses for one immediate family member to travel to be with you, if your hospitalization is for more than 5 consecutive days.

Compensation for loss/delay of checked-in baggage

• We cover the cost of checked-in baggage that you have lost while it is in the custody of a Common Carrier. We also cover expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.

Loss of Passport

• In the event that you lose your passport while you travel, we cover the expenses for the issue of a new or duplicate passport.

Trip Delay/Trip Cancellation Coverage

• We cover expenses incurred if the departure of your Common Carrier is delayed beyond 12 consecutive hours due to specified reasons/issues. We even cover expenses that you sustain due to the cancellation or interruption of the trip due to specified reasons/issues.

Return of Minor Child

• If, by chance, you are travelling with your minor child/children and you require to be hospitalised for more than 5 consecutive days, you need not worry about who will take care of them in a foreign land if they are unattended in the place of your hospitalization. We cover the cost of their return to your home location so they are safe at home while you recover.

What is not covered?

• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
• War and Nuclear perils or consequences thereof
• Ionising Radiation or contamination arising out of the same
• Any intentional self-injury, suicide or attempted suicide
• Any claim relating to hazardous activities
• The insured being involved in Breach of taw
• HIV/AIDS

Claim Process

No matter which part of the world you are, we're just a call away! In case of Claim, notify us immediately on any of the below touch-points for hassle free processing and speedy settlements. International SOS (Assistance Service Provider)

USA : +1 844 209 1106 ( Toll Free) Canada : +1 844 209 1107 ( Toll Free) Rest of the world : +91 11 40608688 (Call Back Facility) Fax : +91 11 41898801 : travelclaims@religare.com

In case of reimbursement of treatment expenses, reach us at the below touch points Religare Health Insurance Company Limited GYS Global, Plot No. A3, A4, A5, Sector - 125, Noida, U.P. - 201301

India : 1800 200 4488 (Toll Free & Accessible in India only) Fax (RHICL) : 1800 200 6677 : travelclaims@religare.com

Be it Cashless settlement or reimbursement of medical expenses, we deliver on our promise of worry free experience!

Please click here to see the detailed policy  terms & conditions.

Will I get a refund if I cut short my trip?

• No worries, we can take care of that.Your policy can be cancelled and the premium will be refunded if there are at least 15 days remaining between the date of your arrival and the end date of policy (cancellation charges of Rs 300 would be deducted). Unfortunately, we are not in a position to cancel the policy if a claim has been filed. Cancellation of Policy, at a date earlier than the Policy Period End Date can be done only upon :-
  (i) Denial of visa OR
  (ii) Cancellation of trip OR
  (iii) Early return of the individual to India
• For cancellations due to above reasons, adequate documentary proof including but not limited to written request from customer & copy of passport / Visa denial letter would need to be provided.

In annual multi-trip policy, premium will be refunded on short scale basis as under :




Period from Policy Period Start Date	Number of Trip days utilized	Premium Retained
Up to 1 month	Less than or equal to 7 days	25% annual rate
	Greater than 7 days & upto 21 days	50% annual rate
	Greater than 21 days	75% annual rate
From 2nd month Up to 3 months	Less than or upto 21 days	50% annual rate
	Greater than 21 days and upto 35 days	75% annual rate
	Greater than 35 days	Full annual rate
From 4th month Up to 6 months	Less than or upto 35 days	75% annual rate
	Greater than 35 days	Full annual rate
Exceeding 6 months	Any Trip duration	Full annual rate

Are there any special benefits for me if I am a frequent flyer?

As we would like to give our customers the best deals possible, we offer you the multi-trip policy option, if you are a frequent flyer. Within this option, you have two choices –
• Multi Trip with maximum 45 days per trip
• Multi Trip with maximum 60 days per trip
• We allow you to choose your tripduration option as per your needs. If you wish to extend your policy, you can do it provided the total Policy Period does not exceed 365 days.

Does the policy have a provision that takes care of my children while I am hospitalised?

• We offer you the facility 'Return of Minor Child' under which we cover the return cost of your minor child to your home location, in case you're hospitalized and your child/children are unattended in the place of hospitalization.

While I am hospitalized abroad, does Explore cover the cost of bringing a family member to me?

• We realise that while you are away from home and unwell, you need to have your family around you. Accordingly, we cover the transportation expenses for a 'two-way compassionate visit' by an immediate family member to your location, if your hospitalization is for more than 5 consecutive days.

Does the policy have a daily allowance for the duration of my hospitalisation?

• Yes, we realise that you will have to incur a number of out-of-pocket non-medical expenses while you are in hospital. Accordingly, we pay you a specified allowance per day during your stay at the hospital, which you can use as per your discretion.

Accidents happen most unexpectedly while we travel. Does the policy cover me for personal liability?

• Yes, we do cover you for personal liability. This includes compensation for legal liability due to bodily injury or property damage that occurred accidentally to third parties on account of your negligence during your trip.

My passport is my most precious document when I'm abroad. What if I lose it while travelling?

• We appreciate your concern in this regard and try to help by covering the expenses involved in the issue of a new or duplicate passport.

After checking-in my baggage if it is lost by the airlines, is there any compensation under the policy?

• 'Explore' covers the cost of your checked-in baggage that is lost while in the custody of a Common Carrier.

My trips usually have a very tight schedule. What if a technical glitch causes my flight to be delayed?

• In case your flight is delayed for over 12 consecutive hours due to specified reasons/issues, we compensate you for the expenses that you incur owing to this delay.

If a trip is cancelled for very valid reasons, does Explore offer me any compensation?

• If your trip is cancelled due to an unforeseen event, arising due to specified manmade or natural situations, we certainly cover the financial loss you incur due to it.

What medical cover does the policy actually offer?

• The policy is quite comprehensive. It covers your emergency hospitalization or treatment if during your travel you are diagnosed with an illness / injury. Incase you require further treatment even after your return, the expenses for the same will be covered up to a period of 30 days or up to the policy end date, whichever is earlier. What's more, in case of hospitalization for an accident, your policy Sum Insured is doubled.

Accidental Death

• In case of the tragic loss of the insured, we provide for financial support to the family by paying the sum insured to the nominated family member.

Permanent Total Disablement (PTD)

• Based on the severity of the loss of a body part due to an accident/injury, we pay between 50 to 100 percent of the sum insured. For a detailed list of compensation percentages under PTD, please log on to www.religarehealthinsurance.com.

Permanent Partial Disablement (PPD)

• Pays a pre-defined percentage of the sum insured, based on severity of loss due to the accident/injury. For a detailed list of compensation percentages under PPD, please log on to www.religarehealthinsurance.com.

Fractures & Burns

• Get compensated for treatment of fractures/burns up to a pre-defined percentage of the sum insured, based upon severity of an injury.

Child education

• In the event of an accident resulting in the insured's demise or Permanent Total Disability (PTD), we'll take care of the child's education, ensuring that his/her future is not compromised.

Disappearance covered

• In the event that an accident (forced landing, stranding, sinking, wrecking, etc.) leaves the insured missing for more than 1 year and the insured's demise has been reasonably established, we will pay the sum insured to the nominee. However, if it is later found that the Insured Person survived such an Accident / Injury for which the Company had paid the claim, the said amount shall be paid back to the Company.

Mobility cover

• If an injury causes Permanent Total Disability (PTD) and requires one to use prosthetic devices like artificial arms, legs or eyes, orthopaedic braces and medical equipment like wheelchairs or hospital beds, we will reimburse the expenses towards the same.

What is not covered?

• Any pre-existing injury or physical condition
• Any intentional self-inflicted injury, suicide or attempted suicide, sexually transmitted conditions, mental or nervous conditions, insanity, disorder, anxiety, stress or depression
• The Insured Person flying in an aircraft other than as a fare paying passenger in a Scheduled Airline
• The Insured Person engaging in sporting activities in so far as they involve the training for or participation in competitions of professional sports, unless declared beforehand and agreed by the Company in writing subject to additional premium being recieved and incorporated accordingly in the Policy
• Insured Person serving in any branch of the military, navy or air-force or any branch of armed Forces or any paramilitary forces
• Any claim related to Hazardous Activities
• Persons whilst working with in underground mines, explosives, press, activities like racing on wheels or horseback, winter sports, canoeing involving white water rapids, any bodily contact sport
• Claim arising out of mental illness, stress, psychiatric or psycho logical disorders

For more details, kindly refer to our health insurance policy's detailed exclusion list.

- In case of accidental hospitalisation, all you have to do is present the Religare Health Card at our network of more than 4500 leading hospitals pan India and avail cashless service. As an alternate, you can also file for re-imbursement of expenses.

- In case of all other claims, reimburse your expenses by simply notifying us. call us directly, send us the specified documents and we'll process your claim

Since you interact directly with us, we can be doubly sure that you are satisfied. And when you are satisfied, we feel satisfied too.

We deliver on our promise. We take pride in offering hassle-free clearance and speedy settlements.

Does the policy cover accidents that result in Permanent Partial Disability or only Permanent Total Disability?

• We would like to be of comfort to you in case of any accident that impacts you in either an acute or chronic way. Accordingly, the policy covers not only Accidental Death and Permanent Total Disablement (PTD) but also Permanent Partial Disablement (PPD). In the case of PPD, you receive a pre-defined percentage of the sum insured which depends on the severity of the loss due to the accident/injury.

Does the policy cover apparently cosmetic expenses like reconstructive surgery?

• Whatever it takes to make you feel better after an accident is important to us. If reconstructive surgery is recommended by your medical practitioner to restore the natural function or appearance, we certainly cover it.

Does the policy cover the cost of treatment of accidents causing fractures and burns too?

• Yes, in case of fractures and burns that have resulted from an injury, the insured is compensated for treatment of the same.

Will I be covered for investigative tests that may be required after an accident?

• Naturally, your course of treatment will depend on the diagnosis of your medical practitioner. So, we do cover diagnostic tests as long as they are recommended by your doctor and you have claimed under Accidental Death or Permanent Total Disablement (PTD) or Permanent Partial Disablement (PPD).

Are there any benefits I can add-on to my policy?

• We offer you the option of add-on benefit Accidental Hospitalization, which includes Daily Allowance, Hospitalisation expenses and Compassionate Visit. This benefit is available on payment of additional premium.